| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 247.26M | 241.90M | 217.48M | 152.98M | 134.19M | 126.18M |
| Gross Profit | 154.47M | 146.55M | 155.80M | 135.28M | 123.73M | 105.93M |
| EBITDA | 46.46M | 47.60M | 62.95M | 52.79M | 51.25M | 40.30M |
| Net Income | 39.40M | 31.68M | 42.96M | 39.43M | 40.55M | 32.19M |
Balance Sheet | ||||||
| Total Assets | 4.19B | 4.10B | 3.86B | 3.64B | 3.01B | 2.77B |
| Cash, Cash Equivalents and Short-Term Investments | 716.77M | 329.94M | 679.90M | 660.24M | 815.06M | 491.69M |
| Total Debt | 544.15M | 450.88M | 454.19M | 643.35M | 204.23M | 183.34M |
| Total Liabilities | 3.78B | 3.71B | 3.49B | 3.30B | 2.66B | 2.42B |
| Stockholders Equity | 404.14M | 388.50M | 372.00M | 334.83M | 355.21M | 350.11M |
Cash Flow | ||||||
| Free Cash Flow | 45.65M | 44.06M | 59.27M | 18.68M | 38.83M | 30.68M |
| Operating Cash Flow | 50.22M | 48.25M | 62.70M | 25.18M | 40.76M | 32.65M |
| Investing Cash Flow | -170.86M | -258.80M | -311.78M | -410.36M | -130.50M | -340.98M |
| Financing Cash Flow | 138.74M | 213.30M | 266.13M | 164.30M | 216.93M | 398.80M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $428.36M | 8.29 | 9.73% | 3.15% | 3.49% | 33.86% | |
| ― | $395.36M | 9.47 | 10.03% | 1.53% | 9.76% | 4.43% | |
| ― | $394.59M | 56.76 | 2.24% | 3.90% | 23.26% | ― | |
| ― | $371.01M | 9.42 | 11.07% | 3.63% | 0.85% | 18.21% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $389.06M | 11.53 | 14.53% | 1.67% | 13.16% | 37.40% | |
| ― | $401.67M | 98.64 | 1.29% | ― | -15.07% | ― |
The recent earnings call for Civista Bancshares painted a picture of robust financial health and strategic growth, despite some challenges. The overall sentiment was one of confidence, bolstered by significant increases in net income and efficiency improvements. The company successfully raised capital and saw substantial deposit growth, although it faced hurdles with loan declines and increased expenses due to acquisition costs. The sentiment suggests optimism about future growth and stability.
Civista Bancshares, Inc., a financial holding company based in Sandusky, Ohio, operates primarily through its subsidiary, Civista Bank, offering banking, commercial lending, mortgage, and wealth management services across Ohio, Southeastern Indiana, and Northern Kentucky. The company also provides commercial equipment leasing services nationwide through its Civista Leasing and Finance Division.
On October 22, 2025, Civista Bancshares, Inc. announced that its Board of Directors approved a quarterly dividend of 17 cents per common share, consistent with the previous quarter. The dividend, amounting to approximately $3.3 million, will be payable on November 18, 2025, to shareholders of record as of November 4, 2025. This dividend offers an annualized yield of 3.35% based on the closing stock price of $20.31 as of September 30, 2025. This announcement reflects Civista’s stable financial strategy and commitment to returning value to shareholders, reinforcing its position in the financial industry.
The most recent analyst rating on (CIVB) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On October 14, 2025, Civista Bancshares, Inc. and The Farmers Savings Bank announced they have received all necessary regulatory approvals to proceed with their merger, pending shareholder approval and customary conditions. This merger is expected to expand Civista’s presence in Ohio, enhancing value for customers and communities, with the integration of Farmers into Civista Bank anticipated to complete in November 2025, and system conversion planned for the first quarter of 2026.
The most recent analyst rating on (CIVB) stock is a Buy with a $22.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
Civista Bancshares, Inc. announced on September 30, 2025, that it will release its third quarter 2025 financial results before the market opens on October 23, 2025. The company will also host a conference call and webcast on the same day to discuss the financial results, allowing analysts to participate in a question-and-answer session. This announcement is a routine disclosure that provides stakeholders with important financial insights and reaffirms Civista’s commitment to transparency and communication with its investors.
The most recent analyst rating on (CIVB) stock is a Buy with a $23.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On September 16-17, 2025, Civista Bancshares‘ senior management will engage with investors at the Stephens 15th Annual Bank Forum in Little Rock, Arkansas. This engagement reflects Civista’s strategic efforts to strengthen its investor relations and market presence. The company has been actively expanding its operations, as evidenced by its recent acquisition of Farmers Savings Bank, which is expected to enhance its competitive advantage in the Cleveland MSA. This acquisition aligns with Civista’s growth strategy, which has seen significant increases in deposits and loans since 2019, positioning the company as a strong player in the financial sector.
The most recent analyst rating on (CIVB) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On August 13, 2025, Civista Bancshares announced the promotion of Robert L. Katitus to Executive Vice President and Chief Lending Officer of both Civista Bancshares and Civista Bank. Katitus, who has over 25 years of experience in banking and commercial lending, has been with Civista since 2010 and has played a crucial role in expanding commercial lending efforts in Ohio. His promotion reflects Civista’s strategy of nurturing internal talent and ensuring leadership continuity, which is expected to support the company’s growth and community service efforts.
The most recent analyst rating on (CIVB) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.
On July 22, 2025, Civista Bancshares, Inc. announced amendments to its Code of Regulations to align with developments in the Ohio General Corporation Law and to modernize its governance practices. Key changes include the Board’s authority to set alternate dates for shareholder meetings, updated director compensation provisions, the election of a Lead Independent Director when necessary, modernized indemnification standards, and the transition to uncertificated shares. These amendments aim to enhance governance efficiency and reflect current industry standards.
The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.